Disaster Aid Landscape Tracker 2026 | Humboldt COAD
Tracking major federal disaster assistance programs — what each provides under full funding, the impact of proposed or enacted cuts, how NGOs and COADs are filling gaps, and the current status for Humboldt County.
Status Key: Eliminated Reduced At Risk Proposed Elimination
FEMA Individual Assistance
Reduced
Up to $43,900/household for housing repair, rental assistance & essential needs. In 2023, distributed $2.3B+ to 1.9M applicants — disproportionately reaching low-income, rural, elderly & disability-impacted households. Survivors stabilized quickly; fewer homeless households post-disaster.
Eligibility narrowed; processing delays lengthened. Rural & undocumented residents face higher barriers or outright exclusion from federal grants.
Salvation Army, Red Cross, Catholic Charities, local community foundations & COADs run emergency relief funds and Unmet Needs Committees. Culturally-specific nonprofits reach undocumented and non-English-speaking survivors.
MOUs with county OES & 211 to establish NGOs as official referral destinations when IA is denied. Unrestricted relief funds ($500–$5,000/household); bilingual caseworkers; Charity Tracker or Unite Us; formal recognition in local EOPs as providers of last-resort assistance.
Humboldt received major disaster declarations for Dec 2022 earthquake & 2023–24 atmospheric river flooding. Rural & tribal households in southern Humboldt and tribal lands had extremely limited IA access due to documentation barriers.
FEMA BRIC / Hazard Mitigation
Eliminated — As of March 2025
Funded $2.7B in mitigation over four years — prioritizing wildfire, flood & extreme heat in low-income/rural communities, tribal nations & coastal regions. Every $1 invested saves ~$6 in recovery costs.
BRIC fully eliminated. No remaining federal pathway for communities to fund pre-disaster risk reduction. Prevention work halts entirely.
COADs, Citizen Corps, fire safe councils, tribal emergency management offices & community resilience centers deliver preparedness training, risk assessments & neighborhood-level planning.
Formal seats on Local Hazard Mitigation Planning committees, written into the LHMP as responsible parties. Multi-year general operating grants ($50K–$200K/year); resilience hub spaces with backup power; state preparedness funding that flows directly to nonprofits.
Humboldt County LHMP due for update — COAD and tribal partners need formal roles. Repeated atmospheric river events demand mitigation investment. Tribal nations face sovereign coordination gaps without federal mitigation funding.
AmeriCorps / NCCC
Eliminated — NCCC Apr 2025 · AmeriCorps Gutted FY25
Deployed 200,000+ members annually, contributing ~$1.1B in disaster recovery labor value/year. Served rural Appalachia, Gulf Coast, tribal lands & colonias. Skilled volunteer hours for debris removal, case management & rebuilding at near-zero cost to local orgs.
AmeriCorps gutted; NCCC eliminated. VOADs and COADs lose a primary source of trained, deployable surge labor with no federal replacement.
Team Rubicon, SBP, All Hands and Hearts, Samaritan's Purse, Mennonite Disaster Service & VOAD affiliate networks absorb skilled labor gaps. COADs coordinate spontaneous unaffiliated volunteer (SUV) management.
MOUs with OES designating VOAD affiliates & COADs as official volunteer coordination infrastructure. Inclusion in ESF-6 & ESF-15 annexes; volunteer manager positions ($45K–$65K); pre-positioned tool caches; VOAD activation protocols written into disaster declarations.
Humboldt COAD has historically relied on AmeriCorps for case management surge and muck-out operations post-flood. Loss is immediate — no current replacement pipeline. Volunteer management capacity is the #1 identified gap in Humboldt's post-flood recovery.
HUD CDBG-DR
At Risk — Funding Paused · FY25 Frozen
Allocated $92B+ since 1993 for long-term disaster recovery — primarily serving low-to-moderate income households who cannot recover through insurance or private credit. Recent: $5.2B for Hurricane Ian; $3.5B for California wildfires. The primary federal tool for equitable long-term housing recovery.
Funding paused and program under federal review. Long-term housing recovery stalls for most vulnerable households with no alternative federal backstop.
Habitat for Humanity affiliates, SBP, community land trusts, local LTRGs & CDCs provide housing repair and rebuild. COADs convene and staff Long-Term Recovery Groups.
LTRGs formally written into disaster recovery frameworks via MOUs with local government. LTRG operating grants ($75K–$150K/year); housing repair capital ($10K–$40K/home); legal aid for title/insurance; 3–5 year funder commitments.
Humboldt's 2022 earthquake LTRG is still active. Dozens of homes remain unrepaired in Fortuna, Rio Dell & Scotia. CDBG-DR pause directly stalls recovery for low-income homeowners — many of whom are timber/agricultural workers with no insurance.
SBA Disaster Loans
Reduced — Processing 6–12 Weeks · Approvals Declining
Approved $13.3B in disaster loans in 2023 — 80% to households earning under $100K. Critical for homeowners, renters & small businesses in rural/tribal areas with no access to conventional disaster financing.
Staffing cuts slow processing to months. Approval rates declining. Small businesses and renters face extended, unresolved recovery gaps.
CDFIs, SBDCs, chambers of commerce, microloan nonprofits & IDA program operators provide bridge loans, financial navigation & alternative lending.
MOUs with SBA field offices & local OES to position CDFIs & SBDCs as official alternative lenders when SBA stalls. Capitalized disaster loan funds ($250K–$2M+); streamlined products; bilingual financial counselors; renter-specific funds written separately in local recovery plans.
Humboldt's fishing, timber & hospitality small businesses have extremely limited access to capital post-disaster. SBDC Humboldt & local CDFIs are undercapitalized for disaster-scale demand. Rural road closures compound business recovery timelines significantly.
USDA Rural Programs
High Impact — Offices Reducing · Staff Cuts Ongoing
Delivered $1.4B+ annually through rural housing repair, community facilities & rural development — serving farmers, ag workers & rural households in communities with zero alternative recovery infrastructure.
USDA rural development offices closing; staff reductions delay all programs. Rural communities — already under-resourced — are hardest hit with fewest alternatives.
Tribal nations, rural community action agencies, agricultural extension services, rural health nonprofits, farmworker advocacy orgs & rural COADs provide direct outreach, navigation & services.
Tribal and rural nonprofits formally written into county/state disaster recovery plans as primary providers — not subcontractors. Funding without urban thresholds; mobile outreach vehicles; navigator positions ($60K–$80K) in trusted rural institutions.
Southern Humboldt, the Lost Coast & Eel River Valley are entirely dependent on USDA rural programs. Farmworker communities (largely Spanish-speaking) have no alternative recovery infrastructure. USDA office in Eureka has reduced hours.
USDA Emergency Watershed Protection
At Risk — Staffing Reduced · Project Backlog Growing
Funds emergency measures to reduce threats to life and property in watersheds damaged by natural disasters — debris removal, floodplain restoration, erosion control. Serves rural and tribal watersheds with no municipal infrastructure.
USDA staffing cuts reduce program capacity. Rural watershed projects delayed or defunded. Secondary flood and erosion damage goes unaddressed after initial disaster.
Watershed councils, tribal environmental programs, resource conservation districts & conservation corps fill emergency watershed response gaps.
Formal inclusion of watershed councils & RCDs in county disaster response annexes. Grant funding for emergency watershed assessment capacity ($30K–$75K); equipment access agreements with timber companies and county public works.
Humboldt's watersheds — Eel River, Mad River, Mattole, Van Duzen — sustained major damage in 2023–24 storms. Repeated atmospheric river events compound watershed degradation. Loss of EWP funding leaves rural roads and agricultural land extremely vulnerable.
DOT Emergency Relief Program
At Risk — Federal Review Ongoing
Funds repair and reconstruction of federal-aid highways and roads on federal lands damaged by natural disasters. Critical for rural counties where road access is the difference between isolation and recovery.
Federal transportation funding under review; emergency relief program facing cuts. Rural counties with aging infrastructure and limited local road budgets hardest hit.
County road crews, tribal public works, mutual aid networks & community volunteers provide emergency road clearance and temporary access restoration.
MOUs with Caltrans and county DPW for NGO-assisted road clearance and community access coordination. Funding for community emergency logistics coordinators; pre-positioned chainsaw and road-clearing equipment caches; community radio/communication systems.
Highway 101 and Route 36 are Humboldt's primary evacuation and supply corridors — both repeatedly closed by slides and flooding. Southern Humboldt communities (Shelter Cove, Honeydew, Petrolia) can be completely isolated for days to weeks.
HHS / ESF-8 Public Health & Medical Surge
At Risk — HHS Cuts Proposed · Rural Hospital Closures
Federal public health and medical surge support during disasters — pharmaceutical stockpiles, medical personnel deployment, behavioral health response, mass casualty coordination. Medical needs met during disaster; behavioral health support reduces long-term trauma impacts.
HHS budget cuts reducing public health emergency capacity. Rural hospital closures accelerating. Behavioral health disaster response largely unfunded at federal level.
Community health centers, tribal health clinics, behavioral health nonprofits, faith-based mental health networks & disaster behavioral health VOADs fill public health and mental health gaps.
Formal inclusion of FQHCs, tribal health programs & behavioral health nonprofits in ESF-8 annexes. Grant funding for disaster behavioral health positions ($55K–$75K); MOU-based pharmaceutical cache access; bilingual health navigators.
St. Joseph Hospital (Eureka) is Humboldt's sole trauma center — already strained. Open Door CHC and United Indian Health Services serve vulnerable populations. Behavioral health needs post-disaster are severely underfunded; 2022 earthquake highlighted major gaps.
LIHEAP — Energy Assistance
Proposed Elimination — Congress Must Act
Helps low-income households pay heating/cooling bills, weatherize homes & manage energy costs during disaster-related disruptions. Serves ~6M households annually. Vulnerable households maintain safe temperatures; reduces disaster-related health emergencies.
Trump administration proposed full elimination. Would remove a critical safety net for low-income households, particularly during power outages and extreme weather events post-disaster.
Utility assistance nonprofits, community action agencies, faith-based emergency assistance programs & COADs absorb energy assistance needs through emergency relief funds and community resource navigation.
Community action agencies written into local emergency plans as official energy assistance coordinators. Capitalized emergency utility assistance funds ($100K–$500K regional); weatherization program partnerships with utilities; enrollment in state CARE/FERA programs as standard COAD intake practice.
Humboldt has high rates of elderly, disabled & low-income households dependent on LIHEAP. Rural areas off the gas grid rely heavily on propane — costs spike dramatically post-disaster. PG&E outages during storms make energy assistance a disaster recovery issue, not just a poverty issue.
HUD Continuum of Care (CoC)
At Risk — HUD Review Ongoing · Local CoC Strained
Funds homeless services infrastructure including emergency shelters, transitional housing & permanent supportive housing. Post-disaster homelessness is a direct pipeline into the CoC system. Disaster survivors who lose housing have a pathway; chronic homelessness reduced.
HUD funding under review; CoC grants frozen in some regions. Disaster-connected homelessness surges when IA and CDBG-DR are also cut, creating cascading system failure.
Homeless services nonprofits, emergency shelter operators, housing navigators & COADs coordinate disaster-connected homelessness prevention and rapid rehousing.
COADs written into CoC governance as disaster liaison organizations, with MOUs triggering coordinated response when disaster declarations are issued. Rapid rehousing funds ($2K–$10K/household); hotel/motel voucher programs; CoC/LTRG integration protocols.
Humboldt has one of the highest per-capita homeless populations in California. Post-disaster displacement directly worsens homelessness. Coordination between Humboldt Housing First, Betty Kwan Chinn Center & COAD is active but underfunded.
Tracking predicted policy changes, program eliminations, and reauthorizations that will directly affect Humboldt County's disaster recovery capacity. Updated March 2026.
Watch Level: Critical High Risk Watch
FEMA Restructuring / Potential Dissolution
Critical
Active 2025
Congressional review
No fixed deadline
Active Congressional discussion about eliminating FEMA or folding its functions into DHS. Would dismantle the entire federal disaster coordination architecture — Individual Assistance, Public Assistance, Hazard Mitigation, and the NRCC/RRCC system that coordinates federal disaster response.
Partial dissolution likely in 2025–26. IA and PA programs may move to DHS with reduced staffing and eligibility. FEMA's coordination role with VOADs and NGOs (ESF-6, ESF-15, NVOAD liaison) would be eliminated or severely reduced.
Humboldt's disaster declarations, IA access, and public infrastructure repair funds all flow through FEMA. Elimination would leave the county with no federal disaster recovery pathway. COAD's ESF-6 relationship and FEMA liaisons would be severed.
Establish direct MOUs with CA OES and Humboldt County OES now — before federal structure changes. Document all FEMA relationships and processes. Begin building state-level advocacy through CalOES and Cal VOAD for NGO recognition in any restructured system.
Stafford Act Declaration Threshold Changes
Critical
Regulatory review
Expected 2025–26
Comment period TBD
Proposals to raise the threshold for major disaster declarations — effectively cutting off smaller, rural counties from federal assistance. Current per-capita damage thresholds already disadvantage rural areas; proposed changes would make Humboldt-scale disasters ineligible for federal declarations.
Likely regulatory change in 2025–26. Counties with smaller populations (like Humboldt) would need catastrophically higher absolute damage figures to qualify for IA and PA. Would eliminate federal disaster assistance for most Humboldt events.
Humboldt's 2022 earthquake and 2023–24 flooding barely met current thresholds. Any increase would make future Humboldt events ineligible — cutting off IA, PA, HMGP, and all FEMA-triggered NGO funding streams simultaneously.
Document and publicize the per-capita inequity of current thresholds. Build coalition with other rural California counties. Advocate through RCRC and NACo for rural-adjusted declaration formulas. Create contingency plans for county-level disaster response without federal declaration.
Federal Cost-Share Shift (50/50 Rule)
High Risk
FY26 Budget
Reconciliation 2025
State impact: 2026+
Proposals to require states and counties to cover up to 50% of disaster costs (currently 25%). For a county with Humboldt's tax base and chronic budget deficits, a 50% cost-share requirement for Public Assistance would be fiscally catastrophic and effectively block access to federal infrastructure repair funds.
Cost-share changes likely included in FY26 budget reconciliation. States would pass the burden to counties. Humboldt County General Fund cannot absorb 50% of major disaster costs — would require service cuts, borrowing, or simply forgoing federal PA projects.
Humboldt County OES and DPW already struggle to meet the current 25% match for PA projects. A 50% match requirement would make road repair, public building restoration, and debris removal projects financially impossible for the county to pursue.
Advocate now through CSAC and NACo against cost-share changes. Help county OES build a financial scenario model showing 50% cost-share impact. Identify philanthropic match funds that could substitute for county share. Engage Humboldt supervisors and state legislators.
National Flood Insurance Program (NFIP) Reauthorization
High Risk
NFIP Reauth: 2025
Risk Rating 2.0: Active
Lapse risk: Moderate
NFIP faces contentious reauthorization. Rate increases under Risk Rating 2.0 are already pricing rural and low-income households out of flood insurance. Proposed reforms include means-testing, coverage caps, further rate increases — or allowing NFIP to lapse entirely.
Reauthorization likely in 2025 with significant rate increases and coverage restrictions. Many Humboldt floodplain households will be priced out. A lapse would halt all federally-backed mortgages in flood zones.
Humboldt's Eel River, Mad River & coastal floodplains include hundreds of homes and businesses in NFIP flood zones. Rate increases under Risk Rating 2.0 are already creating affordability crises. A lapse would freeze real estate in flood zones.
Map Humboldt households at risk of NFIP unaffordability now. Advocate for low-income household subsidies within NFIP reauthorization. Build relationship with state FAIR Plan as backup. Educate LTRG and housing nonprofits on post-disaster recovery implications of NFIP gaps.
Nonprofit Security Grant Program (NSGP) Cuts
Watch
FY26 Budget
Applications: Spring 2025
Reduction likely
NSGP provides security hardening grants to nonprofits and faith communities that serve vulnerable populations — many of which double as emergency shelters and disaster gathering points. Program is being reduced and refocused away from community-serving organizations.
NSGP likely reduced 40–60% in FY26. Community-serving organizations (food banks, shelters, cultural centers) that function as informal emergency shelters will lose access to hardening funds. Faith organizations serving as resilience hubs are disproportionately affected.
Several Humboldt faith organizations and community centers serve as informal emergency shelters and community resilience hubs. NSGP was a key funding source for building access, backup power, and communication infrastructure.
Identify Humboldt organizations that use NSGP and document their emergency shelter role. Apply for remaining FY25 NSGP funding immediately. Explore COAD resilience hub designation as alternative pathway to physical infrastructure funding through HAF and state grants.
SNAP / Disaster Nutrition Assistance (D-SNAP) Changes
High Risk
FY26 Reconciliation
Block grant vote: 2025
State impact: 2026
D-SNAP — activated after major declarations to provide emergency food benefits — is under budget pressure. Proposed SNAP block grants to states would eliminate the federal disaster nutrition activation mechanism entirely.
SNAP block grant proposal in FY26 reconciliation would eliminate automatic D-SNAP activation. States would need to fund disaster nutrition separately — most won't. Food insecurity in the immediate post-disaster period would spike significantly.
Humboldt has high baseline food insecurity rates. Post-disaster food access is already a critical gap — especially in southern Humboldt and tribal areas where grocery access is limited under normal conditions. Loss of D-SNAP would make food banks the sole disaster nutrition resource.
Strengthen relationship with Food For People as the primary disaster nutrition partner. Pre-position MOU for disaster food distribution activation. Build disaster food distribution into COAD activation protocols. Stockpile and pre-position community food resources.
EPA Environmental Justice / Climate Resilience Grants
Active — Already Being Cancelled
ACTIVE
Already being cancelled
No replacement program
EPA's Environmental Justice grants, Climate Pollution Reduction Grants, and Thriving Communities programs funded resilience work in rural, tribal & low-income communities — exactly the populations most vulnerable to disasters and least served by mainstream programs.
Already being cancelled or clawed back. EPA EJ programs largely eliminated in FY25. Tribal and rural communities that received multi-year resilience grants are losing funding mid-project. No replacement pathway identified.
Yurok Tribe, Karuk Tribe & other Humboldt tribal nations received EPA EJ and climate resilience grants for watershed restoration, community resilience planning & environmental health programs that doubled as disaster preparedness infrastructure. Loss is immediate and ongoing.
Document which Humboldt tribal and rural organizations are losing EPA grants. Connect affected organizations to HAF, CNPS, and private philanthropy as bridge funding sources. Support tribal governments in advocacy for alternative federal pathways. COAD can serve as fiscal sponsor for transition-period activities.
FEMA Flood Map Modernization Defunding
Watch
FY25–26 Budget
Map updates stalling
Rural areas most affected
FEMA's Risk MAP program modernizes flood maps critical for floodplain management, building permits, insurance rates & disaster planning. Defunding leaves communities with dangerously outdated maps.
Risk MAP funding being reduced. Many rural counties will not have maps updated to reflect post-atmospheric-river watershed changes. Outdated maps mean underestimated risk, underinsured properties, and misallocated recovery resources.
Humboldt's watersheds have changed dramatically due to 2023–24 storms. Outdated flood maps underestimate risk in Eel River, Mad River & coastal floodplains. Communities rebuilding in post-storm landscapes are doing so without accurate risk information.
Engage Humboldt County Planning & Building with current flood map accuracy concerns. Document post-storm watershed changes for eventual advocacy. Connect with Eel River Watershed Council on community-based flood mapping as a stopgap.
State of California Disaster Assistance Gap Risk
Watch
Ongoing
State budget: June 2025
Federal cliff: FY26
As federal programs are cut, pressure on California OES, Cal VOAD, and state disaster programs intensifies. California's own budget situation (projected $38B deficit) limits its ability to fully backstop federal program eliminations.
California will attempt to backfill some federal cuts through Cal OES and CDAA, but capacity is limited. COADs and local nonprofits will be asked to absorb more with no new state funding. State grant cycles will be competitive and insufficient.
Humboldt County's reliance on state pass-through for disaster funding means state budget constraints directly impact local recovery capacity. Cal OES is already stretched managing active recovery operations. COAD must position itself as a state priority for NorCal rural disaster coordination.
Build direct relationships with Cal OES Region 1 staff now. Apply for CalOES EMPG sub-awards. Engage CA state legislators (Wood, McGuire) on rural disaster funding. Position Humboldt COAD in state VOAD leadership to influence Cal OES funding priorities.
Key Humboldt County organizations cited in this workbook — their role in the disaster system, federal program dependencies, gaps if cuts occur, and MOU/integration priority for Humboldt COAD.
Humboldt COAD
Role in Disaster System
Lead coordinating body for disaster response & recovery. Convenes NGOs, government & private sector. Staffs Long-Term Recovery Groups.
Federal Programs Dependent On
AmeriCorps (volunteer surge), BRIC (preparedness), FEMA IA (unmet needs), HUD CDBG-DR (LTRG funding)
Gaps if Cuts Occur
Loss of volunteer surge capacity; reduced preparedness infrastructure; LTRG funding collapse
MOU / Integration Priority
CORE — MOUs with County OES, Cal OES, all member organizations, 211, LTRG fiscal agents
Salvation Army Eureka
Role in Disaster System
Emergency disaster services: food, shelter, emotional & spiritual care, disaster relief funds. VOAD member.
Federal Programs Dependent On
FEMA IA (disaster casework), ESF-6 (mass care coordination)
Gaps if Cuts Occur
Unmet needs fund depleted faster with no IA backstop; case management surge without AmeriCorps
MOU / Integration Priority
HIGH — MOU with County OES for mass care; ESF-6 co-lead designation
Catholic Charities NorCal
Role in Disaster System
Disaster case management, immigration-sensitive assistance, long-term recovery support for vulnerable households.
Federal Programs Dependent On
FEMA IA (case management funding), HUD CDBG-DR (housing recovery)
Gaps if Cuts Occur
Loss of case management infrastructure for undocumented survivors; housing recovery stalls
MOU / Integration Priority
HIGH — MOU with COAD for unmet needs committee; legal aid partnership for IA appeals
Open Door Community Health
Role in Disaster System
FQHC serving 40,000+ patients. Disaster health services, behavioral health, mobile outreach, linguistically competent care.
Federal Programs Dependent On
HHS ESF-8 (medical surge), HRSA grants (rural health)
Gaps if Cuts Occur
Medical surge capacity collapses; behavioral health post-disaster severely underfunded
MOU / Integration Priority
HIGH — ESF-8 MOU with MHOAC; COAD health sector co-lead designation
United Indian Health Services
Role in Disaster System
Tribal FQHC serving tribal nations across Humboldt & Del Norte. Disaster health, behavioral health, traditional healing integration.
Federal Programs Dependent On
HHS ESF-8, IHS disaster programs, USDA rural health, EPA EJ grants
Gaps if Cuts Occur
Tribal health disaster response loses federal support; cultural competency gap in disaster health
MOU / Integration Priority
HIGH — ESF-8 MOU; tribal liaison designation in county EOP; COAD tribal health sector lead
Website
Yurok Tribe Emergency Management
Role in Disaster System
Tribal emergency management for largest CA tribe. Sovereign authority over tribal lands; manages tribal emergency operations.
Federal Programs Dependent On
FEMA tribal programs, USDA EWP, EPA EJ, BIA emergency programs
Gaps if Cuts Occur
Federal tribal emergency funding cuts leave sovereign lands without recovery resources
MOU / Integration Priority
CRITICAL — Government-to-government MOU with County OES; COAD tribal liaison role
Hoopa Valley Tribe
Role in Disaster System
Tribal government emergency management for Hoopa Valley Reservation. Sovereign disaster authority; remote community.
Federal Programs Dependent On
FEMA tribal programs, USDA rural programs, BIA, IHS
Gaps if Cuts Occur
Remote location + funding cuts = complete isolation during major disasters
MOU / Integration Priority
CRITICAL — MOU with County OES; COAD liaison; pre-positioned supply cache agreement
Area 1 Agency on Aging
Role in Disaster System
Services for elderly residents including disaster check-in, transportation, meals, LIHEAP enrollment, emergency notification.
Federal Programs Dependent On
LIHEAP (energy assistance), OAA disaster provisions, FEMA IA (elderly access)
Gaps if Cuts Occur
Elderly population most vulnerable to LIHEAP cuts; disaster check-in capacity reduced
MOU / Integration Priority
HIGH — MOU with COAD for elderly access & functional needs registry; 211 integration
North Coast Opportunities
Role in Disaster System
Community action agency: LIHEAP, weatherization, food assistance, disaster recovery navigation for rural & low-income households.
Federal Programs Dependent On
LIHEAP (primary program), USDA rural programs, CDBG disaster funds
Gaps if Cuts Occur
Loss of LIHEAP devastates primary program; rural disaster navigation capacity collapses
MOU / Integration Priority
HIGH — MOU with COAD for utility/energy emergency response; LTRG partner
Website
Habitat for Humanity NorCal
Role in Disaster System
Housing repair, rebuild & weatherization for low-income households. LTRG housing construction lead for Humboldt.
Federal Programs Dependent On
HUD CDBG-DR (housing capital), USDA rural housing repair, Home Depot Foundation
Gaps if Cuts Occur
Housing repair pipeline collapses without CDBG-DR; long-term recovery housing stalls
MOU / Integration Priority
HIGH — LTRG MOU; County OES housing sector co-lead; COAD LTRG partner
Food For People
Role in Disaster System
Humboldt's food bank. Disaster food distribution, D-SNAP intake, emergency food boxes, tribal food access programs.
Federal Programs Dependent On
D-SNAP (disaster nutrition), USDA TEFAP, Emergency Food Assistance Program
Gaps if Cuts Occur
D-SNAP elimination leaves food bank as only disaster nutrition resource — massively undercapitalized
MOU / Integration Priority
HIGH — MOU with COAD for disaster food activation; D-SNAP enrollment partner; ESF-11 co-lead
Eel River Watershed Council
Role in Disaster System
Watershed restoration, monitoring & advocacy. Post-disaster watershed emergency response, erosion control, road protection.
Federal Programs Dependent On
USDA EWP, NRCS emergency programs, EPA watershed grants
Gaps if Cuts Occur
Watershed emergency response capacity lost; secondary disaster damage from unaddressed erosion
MOU / Integration Priority
MEDIUM — MOU with COAD for watershed emergency response; Humboldt RCD partner
Betty Kwan Chinn Center
Role in Disaster System
Homeless services, outreach, disaster-connected homelessness prevention. Critical connector to hardest-to-reach homeless survivors.
Federal Programs Dependent On
HUD CoC, ESG emergency shelter, FEMA IA (homeless survivor navigation)
Gaps if Cuts Occur
Disaster homelessness surge with no CoC backstop; hardest-to-reach survivors fall through all gaps
MOU / Integration Priority
HIGH — MOU with COAD for disaster-connected homelessness response; CoC liaison
SBDC Humboldt (Cal Poly Humboldt)
Role in Disaster System
Small business development, technical assistance, disaster loan navigation for Humboldt small businesses & entrepreneurs.
Federal Programs Dependent On
SBA disaster loans, SBA SBDC cooperative agreements
Gaps if Cuts Occur
SBA processing delays leave small businesses without navigation support; rural businesses close permanently
MOU / Integration Priority
MEDIUM — MOU with COAD for business recovery sector; SBA referral pathway agreement
211 Humboldt
Role in Disaster System
Information & referral hub connecting survivors to services. Critical intake point for disaster survivor navigation.
Federal Programs Dependent On
FEMA IA (referral source), HHS 2-1-1 grants, county contract
Gaps if Cuts Occur
Without formal COAD/NGO MOU, 211 cannot route IA-denied survivors to alternative resources efficiently
MOU / Integration Priority
CRITICAL — MOU with COAD designating 211 as official disaster survivor intake; database integration
Mutual Aid Humboldt
Role in Disaster System
Grassroots mutual aid network. Direct community-to-community resource sharing, especially for undocumented, rural & marginalized communities.
Federal Programs Dependent On
No direct federal funding — operates outside formal system by design
Gaps if Cuts Occur
As formal programs are cut, mutual aid absorbs more — with no additional resources or infrastructure
MOU / Integration Priority
MEDIUM — Informal coordination agreement with COAD; communication protocol for activation
Prepared by Humboldt COAD  ·  Last Update: March 2026  ·  humboldtcoad.org